Medicare Benefit Options
What are your Medicare Benefit Options?
Once eligible to receive Medicare, you can choose how to obtain your coverage through either:
- Original Medicare (Parts A & B), with the option of joining a Prescription Drug plan and/or a Medigap policy as well, or
- Medicare Advantage plan (Part C), with the option of adding a stand-alone prescription drug plan.
As a future beneficiary, you should choose the coverage plan that best meets your medical needs and budget, and review your plan each year to reevaluate and adjust as needed.
Let’s explore the Medicare coverage options available and what is or isn’t covered under each plan.
What Does Each Plan Cover?
Part A Coverage
Medicare Part A is the first part of Original Medicare, which is a federal government program that offers health insurance to our seniors.
What Does Part A Cover?
Part A provides benefits for inpatient hospital care, skilled nursing facility care, inpatient skilled nursing facility care, hospice care and home health care.
What Does Part A Not Cover?
Part A coverage will pay for a large amount of your health expenses, but not all of it.
The following will be out-of-pocket costs that you are responsible for, unless you purchase a Medigap policy to offset these expenses:
Part A Does Not Cover
• Long-term nursing care (over 100 days)
• Physical exams other than your annual wellness visit
• Routine foot care
• Acupuncture, naturopathy
• Cosmetic surgery
• Hearing aids
• Dentures and denture care
• Medicare care outside of the United States
Learn more about Medicare Part A coverage, eligibility, costs and enrollment on our Medicare Part A page.
Want to learn more about Medicare?
Join our licensed Medicare insurance agents online for any of our live, interactive Medicare educational webinars, where you can quickly and easily learn the fundamentals of Medicare and get your questions answered from the comfort of your own home.